2, the purchase of commercial housing, "second-hand housing", affordable housing, resettlement housing, public housing or construction, renovation, overhaul, decoration occupied housing. , you can apply for provident fund loans.
3. Parents and children can be used as provident fund loans of the same applicant and bear the same repayment responsibilities.
Property right * * * Someone can apply for a loan together.
4. After paying off the provident fund loan, employees who buy self-built houses again can continue to apply for provident fund loans.
5. After one spouse uses provident fund loans in the name of one spouse, the other spouse can also apply for loans when purchasing and building self-occupied housing.
Workers who have paid off the house payment or obtained the house ownership certificate and land use certificate for purchasing or building self-occupied housing may apply for a loan to repay the loan for purchasing or building housing within one year.
Extended data:
Letter of credit clause
1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans.
2. To participate in the housing provident fund system, if you want to apply for a housing provident fund personal purchase loan, you must also meet the following conditions: that is, the housing provident fund has been continuously paid for at least 6 months before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans.
3. One of the husband and wife has applied for a housing provident fund loan, and neither of them can get a housing provident fund loan until the principal and interest of the loan are paid off. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.
4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan.
When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund.
5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.
Loan process
I. Consultation of loan applicants
The loan applicant goes to the loan handling department or calls the loan handling department to consult the housing provident fund loan and prepare the relevant materials for the housing provident fund loan.
II. Preliminary review and evaluation
The loan applicant should go to the loan handling department for preliminary examination and relevant evaluation.
1. The loan applicant shall go to the loan handling department to conduct the preliminary examination of the provident fund loan with the materials required for the housing provident fund loan application.
2 in accordance with the provisions of the need for personal credit assessment of the loan applicant, the loan applicant shall sign the "credit assessment authorization" under the supervision of the staff of the loan handling department.
3. The staff of the loan processing department prints the relevant documents and tells the loan applicant how to go through the next procedure.
4. If the house purchased by the loan applicant needs to be assessed according to the regulations, the staff of the loan handling department will also issue a notice of collateral assessment to the loan applicant, and the loan applicant or entrusted agent will apply for collateral assessment at the assessment agency designated by the Beijing Housing Provident Fund Management Center.
Three, the loan applicant waiting for telephone notification.
1. The staff of the loan handling department will review the loan according to the materials required by the loan applicant and the evaluation results of relevant institutions. If it is necessary to communicate with the loan applicant by telephone, the staff will verify and confirm with the loan applicant by telephone through the contact information provided by the loan applicant.
2. If the guarantee method chosen by the loan applicant is the guarantee center, after the guarantee is approved, the staff of the guarantee center will inform the loan applicant of the time to sign the loan-related contract, the materials to be carried and the guarantee service fee to be paid; If the guarantee method chosen by the loan applicant is unsecured center guarantee,
After completing the relevant procedures according to different guarantee methods, the staff of the loan handling department will inform the loan applicant of the time and materials needed to sign the loan-related contract.
Four. The loan applicant signs the relevant contract.
1. According to the interview time notified by telephone, the loan applicant will go to the loan handling department to go through the signing formalities with the materials needed for the housing provident fund loan interview. For loan applicants who need to pay assessment fees and guarantee fees, they should first pay at the designated counter and receive invoices.
2. The loan applicant and * * * and the applicant, the mortgagor and the pledger complete the signing procedures of the Loan Contract and other relevant contract documents under the guidance of the staff of the loan handling department.
Verb (abbreviation for verb) bank loan
After the bank lends money, the loan applicant goes to the bank to collect the relevant contract documents of the borrower.
VI. Monthly repayment
The loan applicant shall repay the loan on a monthly basis in accordance with the provisions of the loan contract.
A week after the announcement of the "National Five Articles" Beijing Rules, the new policy of Beijing provident fund loans and the mortgage policy of Beijing Commercial Bank also landed.
On April 8, 20 13, the Beijing Housing Provident Fund Management Center and the business management department of the central bank issued notices respectively, and the down payment ratio was increased from 60% to 70% when buyers used provident fund loans or Beijing Commercial Bank applied for second-home loans.
From April 8, 2065438 to April 8, 2003, the purchase of houses through online signing was implemented in accordance with the new policy.
The intended use of the loan
The use of housing provident fund loans is limited to the purchase of owner-occupied housing with ownership, and the purchased housing should meet the architectural design standards stipulated by the Municipal Provident Fund Management Center. Employees who purchase houses with the right to use cannot apply for housing provident fund loans.
Repayment method
According to the loan contract signed by the loan bank and the borrower, the borrower should repay the loan on a monthly basis in the month after the loan is issued. There are two specific ways, which are chosen by the borrower:
1, 1-20 repay the loan principal and interest in cash to the loan bank every month;
2. Entrust the loan bank to withhold and remit. The borrower and the loan bank sign a withholding repayment agreement and apply for a personal repayment savings card. The borrower can deposit the repayment amount for several months at one time, or deposit all the repayment amount in a nearby bank savings office before the 20th of each month, and the bank will directly deduct the loan principal and interest to be repaid from the borrower's savings account.
References:
Baidu encyclopedia-provident fund loan